Charcol Mortgage Guides

House Buying

Whether it’s your first time or your first time in years, the house-buying process can be a little confusing. Our House-buying Guide will take you through the process.

Mortgage types

Here’s a brief overview of the most popular mortgage types. Not sure which is right for you - then simply read our Mortgage Types Guide. Take a look at our calculators.

Applying for a Mortgage

What steps are involved in getting a mortgage? Our Applying for a Mortgage Guide explains all the people involved, what they do, and what to expect.

Remortgages

What’s actually involved in remortgaging – apart from saving or raising money? Our Remortgaging Guide reveals all.

Buy to let

Buy to let is increasingly coming back and looks to be a good investment opportunity in 2011. What should you think about before take the plunge? Read our Buy to let mortgage guide.

Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FCA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.